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Newcastle Permanent offer one of the most competitive home loan rates in Australia. Their customer service is second to none.

Sourced from mozo.com.au
Kim
New South Wales

Premium Plus Package overview

Our Premium Plus Package provides a premium product without the premium price tag.

Special Offer - Owner Occupied Loans

For a limited time we are offering a special packaged home loan discounted rate of 3.84%p.a.## (comparison rate 4.20% p.a.*) for new borrowers applying for an owner occupied home loan with a minimum new loan size of $150,000 or more.

The offer is also available for existing borrowers of owner occupied loans who apply for the special package and increase their loan with us by $150,000 or more.

Special Offer - Investment Loans
For a limited time, we are offering a special discount for investor borrowers on our already low Premium Plus Package home loan rate! We will be taking an additional 0.20% off the Premium Plus Tier 4 interest rate, giving you a discounted rate of 4.17% p.a. ◆ (comparison rate 4.53% p.a.*) 

This offer is available to both new and existing investment borrowers who take out a new loan or increase their loan with us by $150,000 or more, under the special investment offer for our Premium Plus Package.

Premium Plus Package Discount## 3.84%p.a. 4.20%p.a.
Premium Plus Package Discount - Investors ◆ 4.17%p.a. 4.53%p.a.
Premium Plus Package Tier 4 4.37%p.a. 4.72%p.a.
Premium Plus Package Tier 3 4.42%p.a. 4.77%p.a.
Premium Plus Package Tier 2 4.52%p.a. 4.87%p.a.
Premium Plus Package Tier 1 4.57%p.a. 4.92%p.a.
Annual Fee $375 per annum
Establishment fee Nil
Monthly Fee Nil
Minimum Loan Amount No Minimum
Maximum Loan Term 30 Years
Additional Repayments Yes
Redraw Facility Yes
Repayment Holiday Yes
Repayment Frequency Monthly, Fortnightly or Weekly repayments
Repayment Options Principal and interest or interest only
Split loan Yes
Interest Offset Account 100%
Mortgage Portability Yes
Maximum Loan to Value Ratio Up to 95% of the value of the property for owner occupied.

Up to 90% of the value of the property for investment.

Packaged with a range of discounts and benefits available on other products including insurance discounts, additional interest on savings accounts and fee discounts on other Newcastle Permanent loan products.

Here’s some information for you:
Applications for finance are subject to Newcastle Permanent's normal credit approval process. Full Terms and Conditions will be included with our loan offer. Fees and charges are payable. Loans for commercial purposes are excluded.
* The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison Rate.
Interest rates effective as of 27/07/2016 and are subject to change without notice.
##Discounted interest rate available for new borrowers applying for a Premium Plus Package Home Loan for an owner occupied home with a minimum balance of $150,000. Existing Newcastle Permanent customers are eligible to receive the discounted interest rate if they have or convert to a Premium Plus Package and increase their borrowings on the Premium Plus Package by a minimum of $150,000 for an owner occupied home loan. Applications for finance are subject to Newcastle Permanent’s normal credit approval process. Terms and conditions, fees and charges apply.
◆ Discounted interest rate available for new borrowers applying for a Premium Plus Package Home Loan for investment purposes with a minimum balance of $150,000. Existing Newcastle Permanent customers are eligible to receive the discounted interest rate if they have or convert to a Premium Plus Package and increase their borrowings on the Premium Plus Package by a minimum of $150,000 for investment purposes. Applications for finance are subject to Newcastle Permanent’s normal credit approval process, including a Loan to Value Ratio (LVR) of less than 90% (more than 10% equity). Terms and conditions, fees and charges apply.
+ Offer available for new loan applications only. Special offer is for a limited time only. Premium Plus Package Tiers are determined by your combined total home loan balances and available to new applicants.
** Premium Plus Package interest rates are generally determined by combined loan balances at the time you first borrow or as follows:
Tier 1 - combined loan balances below $500,000
Tier 2 - combined loan balances over $500,000
Tier 3 - combined loan balances over $750,000
Tier 4 - combined loan balances over $900,000
© Newcastle Permanent Building Society Limited 2015. ACN 087 651 992 Australian Financial Services Licence / Australian Credit Licence 238273